Privacy Policy

Web Site Agreement

This Web Site (Site) is an online information service provided by PCI Insurance Inc. (PCI) subject to your compliance with the terms and conditions set forth below. PLEASE READ THIS DOCUMENT CAREFULLY BEFORE ACCESSING THE SITE. BY ACCESSING OR USING THE SITE YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OUTLINED BELOW.

Copyright Notice

All of the writing in this Site is the property of PCI and is protected under copyright. You may not modify, copy, reproduce, republish, upload, post, transmit or distribute in any manner the material text or graphics on this site without written permission. You may view and make one (1) copy of the information on the pages of this Site for your own private study or research and for non-commercial purposes only provided that no modifications of any documents are made. In the event of such use, all copyright and other notices, and clear attribution to PCI must be maintained. All copies of the information must include the following notice:

Copyright 2018 PCI Insurance, Inc. All rights reserved.

This information is not intended for use without professional advice. Materials may not be copied to any storage medium for distribution to third parties except with the express permission of PCI. We reserve the right to refuse or withdraw permission for copies without specification of reason. Any program, publication, design, product, process, software, technology, information, know-how or idea in this Site may be the subject of other rights, including intellectual property rights owned by or licensed to PCI and are not licensed to you.

PCI logos and product names are trademarks or tradenames of PCI Insurance, Inc. You are not authorized to use or reproduce any trademarks except for the limited purposes set out above.

Legal Disclaimer

The information contained in this Site is carefully researched and is believed to be accurate. However the application and impact of laws can vary widely based on the specific facts involved. Given the changing nature of laws, rules and regulations, and the inherent hazards of electronic communication, there may be delays, omissions or inaccuracies in information contained in this Site.

Accordingly, PCI provide no guarantee, or warranty, written or implied, as to the accuracy of any of the information contained in this website. The information contained herein is designed to be a starting point for discussion and discovery and is not intended to constitute actuarial, legal, accounting, tax, investment, or other professional advice or services. Because every situation is unique, you should consult a PCI professional who can thoroughly review and analyze all aspects of your particular situation before making any decision or taking action.

The information in this Site is provided "as is", with no guarantee of completeness, accuracy, timeliness, or of the results obtained from the use of this information, and without warranty of any kind, express or implied, including, but not limited to, warranties of performance, merchantability, and fitness for a particular purpose. By using this website you agree that under no circumstances will PCI, its related partnerships or corporations, or the partners, agents, or employees thereof be liable to you or anyone else for (1) any information contained in or omitted from this website, (2) any person’s reliance on such information whether or not the information is correct, current or complete (3) any decision made or action taken in reliance on the information in this Site or for any consequential, special, or similar damages, even if advised of the possibility of such damages. Certain links in this Site connect to other Web Sites maintained by third parties over which PCI has no control.

PCI is not responsible for the contents of any linked site, any link contained therein, or any changes or updates to such site. PCI makes no representations as to the accuracy or any other aspect of information contained in other Web Sites and the inclusion of any link does not imply endorsement of PCI of the site.

Recognition Of Trademarks and Copyrights

Adobe Acrobat is Copyright by Adobe Corporation. All rights reserved.

Microsoft Internet Explorer is Copyright by Microsoft. All rights reserved.

All other copyrights are hereby considered properly acknowledged.

Privacy Commitment

NOTICE OF PRIVACY POLICY

The trust of our customers is PCI Insurance’s most valuable asset. PCI Insurance safeguards that trust by keeping nonpublic personal information about customers in a secure environment and using that information in accordance with this Privacy Policy. We value you as a customer and take your personal privacy seriously. We will inform you of our policies for collecting, using, securing, and sharing nonpublic personal information (“customer information”) the first time we do business and every year that you are a PCI Insurance customer.

This Privacy Policy includes examples of the types of nonpublic personal information we collect and the kinds of companies with whom we share such information. These examples are illustrative and should not be considered a complete inventory of our information collection, use, and sharing practices. In addition, you may have other privacy protections under some state laws. We will comply with applicable state laws regarding information about you. For example, certain state laws may restrict the types of information we may disclose about you or require us to provide you with additional notices.

Please note that this Privacy Policy will not apply to your relationships with other service providers, such as health, life, and disability insurers. Their privacy policies will govern how they collect, use, and disclose personal information that you allow them to access. Below is the PCI Insurance privacy pledge to our customers:

1. INFORMATION WE MAY COLLECT

PCI Insurance may collect nonpublic personal information about you from the following sources:

Information we receive from you (or is provided to us on your behalf) on applications and other forms, such as your name, address, telephone number, employer, and income. This includes information received through telephone or in-person interviews with your PCI Insurance Account Executive, and/or our Customer Relations representatives;

Health information may be collected as we deem appropriate to determine eligibility for coverage, to process claims, to prevent fraud, and as authorized by you, or as otherwise permitted or required by law.

2. HOW WE USE INFORMATION ABOUT YOU

We use customer information to underwrite your policies, process your claims, ensure proper billing, service your account, and offer you other PCI Insurance products that we believe may suit your needs.

3. INFORMATION DISCLOSURE

PCI Insurance may disclose all of the nonpublic personal information described above, as permitted by law. For example, we may use affiliated and nonaffiliated parties to perform services for us, such as providing customer assistance, handling claims, protecting against fraud, and maintaining software for us. We may also disclose information in response to requests from law enforcement agencies or State Insurance authorities. We do not sell lists of our customers, nor do we disclose customer information to marketing companies outside of PCI Insurance.

4. INFORMATION REGARDING FORMER CUSTOMERS

PCI Insurance does not disclose nonpublic personal information about former customers or customers with inactive accounts, except in accordance with this Privacy Policy.

5. CHANGES TO THIS PRIVACY POLICY

PCI Insurance reserves the right to change this Privacy Policy at any time. Any changes or updates will be effective immediately upon posting to the Site. For your information, the date of the last update is listed at the top of this page.

6. PCI INSURANCE PROTECTS CUSTOMER INFORMATION

PCI Insurance is strongly committed to protecting the privacy of its members. We maintain physical, electronic, and organizational safeguards to protect customer information. We continually review our policies and practices, monitor our computer networks, and test the strength of our security in order to help us ensure the safety of customer information.

7. HIPAA

Over the past several years, the federal government has been developing standards designed to ensure security and efficiency in the transmission of healthcare-related information, as well as to safeguard privacy in its use and disclosure, under a statute commonly referred to as HIPAA: the Health Insurance Portability and Accountability Act of 1996. PCI Insurance is in full compliance with the latest privacy regulations established by HIPAA, which became effective April 14, 2003 . Under the HIPAA privacy regulations, you have the right to know how your personal health information is being used and to request restrictions on the use or disclosure of that information.

Enforce a formal computer systems security policy, including the use of passwords, firewalls, and anti-virus detection systems.

Enforce physical security features in PCI Insurance offices.

Restrict access to information on a "need to know" basis.

Acknowledge privacy and confidentiality obligations by PCI Insurance employees on an annual basis.

We will retain personal information for as long as necessary for the purpose for which it has been collected, or as required or permitted by law, including insurance laws, tax laws, and statute of limitations laws. PCI Insurance is fully committed to maintaining the highest levels of security and privacy for its members, providers and clients while ensuring adherence to all applicable Federal and State laws and regulations.

Terms of Use Agreement

Please take a moment to ensure that you understand the terms and conditions of our relationship by reading this important document, our "Terms of Use" agreement. By accessing or using this Site, you agree to be bound by the provisions of these Terms of Use. If you do not wish to be bound, you may not access or use this Site.

1 . INTELLECTUAL PROPERTY

Copyrights : All of the content of this Site, including text, art, graphics, logos, button icons, images, pictures, audio clips and software, is the property of PCI Insurance, our partners, affiliates, content providers or licensors, and is protected by U.S. and international copyright laws. We have designed the content of this Site for your use while you enjoy your experience here. Except as granted in the limited license below, any other use of this content, including modification, transmission, presentation, distribution or republication, is prohibited without the express prior written consent of PCI Insurance.

Service Marks and Trademarks : Contained in this site are numerous service marks as denoted by the registration indicator ® or the designate sm. All service marks, trademarks, trade names and brand names of PCI Insurance, whether registered or unregistered, are the property of PCI Insurance and are protected by U.S. and international law. Except as granted in the limited license below, any use of these assets is expressly prohibited without the express prior written consent of PCI Insurance. Please be advised that the service mark owners actively and aggressively pursue their intellectual property rights to the maximum extent allowable by law.

Limited License : PCI Insurance authorizes you to download the material on this Site solely for your personal, non-commercial use. If you violate any provision of these Terms of Service, your permission to use the Content automatically terminates and you must immediately destroy any copies you have made of any portion of the Content.

Infringements : If you think that any of the information posted to this Site infringes on a copyright, trademark, patent or other right of another party, please contact a Customer Relations Representative at 877 463-9891.

Third Party Licenses : You agree that you will not upload or transmit any communications or content of any type that infringe or violate any rights of any party. By submitting communications or content to any part of this Site, you agree that such submission is non-confidential for all purposes. If you make any such submission, you automatically grant -- or warrant that the owner of such content has expressly granted -- PCI Insurance a royalty-free, perpetual, irrevocable, world-wide exclusive license to use, reproduce, create derivative works from, modify, publish, edit, translate, distribute, perform and display the communication or content in any media or medium, or any form, format, or forum now known or hereafter developed. PCI Insurance may sublicense its rights through multiple tiers of sublicenses.

3 . GENERAL LEGAL PROVISIONS

Protecting Passwords: By accessing, you agree that you are responsible for protecting your password from compromise, release or discovery by any unauthorized person. If your password has been compromised, you should change your password immediately at the PCI Insurance website at www.pciinsurance.com.

Governing Law and Jurisdiction: By accessing, transmitting or viewing any information on this Site, you agree to be subject to personal jurisdiction and venue in the Commonwealth of Pennsylvania . Any transaction or occurrence arising out of the accessing, transmitting or viewing any information on this Site shall be judged in accordance with the laws of Pennsylvania , without giving effect to any principles of conflicts of laws.

Third Party Links: Some of the links made available to you through our pages will allow you to leave our Site. Please be aware that the Internet sites available through these links and the material you may find there are not under the control of PCI Insurance. Therefore, we cannot and do not make any representation to you about these sites or the materials available there, and the fact that we have made these links available to you is not an endorsement or recommendation to you by PCI Insurance of any of these sites or the materials found there. PCI Insurance is providing these links as a convenience to you.

Indemnification: You agree to indemnify, defend and hold harmless PCI Insurance, its members, directors, officers, employees, agents, licensors, suppliers, and affiliates from and against any claims, actions or demands, liabilities and settlements including, without limitation, reasonable legal and accounting fees, resulting from, or alleged to result from, your violation of these Terms of Use or any activity related to your use of this Site (including infringement of third parties' worldwide intellectual property rights or negligent or wrongful conduct) by you or any other person accessing this Site using your service account.

Modification: PCI Insurance reserves the right to change these Terms of Use at any time. Any changes or updates will be effective immediately upon posting to the Site. For your information, the date of the last update to these Terms of Use is listed at the top of this page.

Assignment: PCI Insurance may assign its rights and duties under this Terms of Use to any party at any time without notice to you and/or your approval.

Notice: Questions or comments regarding this Site should be directed by e-mail to service@pachamber.org or by telephone at
877.463.9891, or via U.S. mail sent to: PCI Insurance Inc., 417 Walnut St., Harrisburg, PA 17101

Entire Agreement: Except as expressly provided in a particular "legal notice" on the Site, these Terms of Use constitute the entire agreement between you and PCI Insurance with respect to the use of the Site and Content. Your use of the Site is also subject to the site Privacy Policy. You also may be subject to additional terms and conditions that may apply when you use affiliate services, third-party content or third-party software.

2 . LEGAL NOTICES

Disclaimers: All information, products, materials, services and advice contained on this site, or provided by this site, including all text, graphics, links, java script and "cookies," are provided on an "as-is" basis without any conditions or warranties of any kind, either express or implied.

To the maximum extent provided by law, PCI Insurance and its suppliers disclaim all representations and warranties, express or implied, including, but not limited to: warranties of merchantability, fitness for a particular purpose, title, non-infringement, freedom from computer virus strains and implied warranties arising from course of dealing or course of performance.

PCI Insurance makes no representations or warranties about the satisfaction of government regulations requiring disclosure of information on the products or services sold or advertised on this site.

PCI Insurance does not represent or warrant that the information, materials, services and advice provided on this Site are accurate, reliable, complete or current.

Limitation of Liability: In no event shall PCI Insurance, nor any of its members, directors, officers, employees, suppliers or other representatives, be liable for any special, punitive, indirect, incidental or consequential damages, or any other damages of any kind, including, but not limited to: personal injury, wrongful death, loss of use, loss of profits, interruption of service or loss of data, whether in any action in warranty, contract, tort (including, but not limited to, negligence or fundamental breach), or otherwise, arising out of or in any way connected with the use of, or the inability to use, this site or the material contained herein, accessed through or products purchased on, this Site, even if an authorized representative of PCI Insurance is advised of the likelihood or possibility of the same.

You acknowledge and agree that payment by PCI Insurance, or retention by you of direct damages, as limited by the foregoing sentences, is your sole and exclusive remedy in exhaustion of all other remedies under these Terms of Use, at law or in equity, and that such remedy is not deemed or alleged by you to have failed of its essential purpose. In no event is PCI Insurance liable for any damages caused by your or any third party's acts or omissions.

Any claims arising in connection with your use of this Site must be brought within one (1) year of the date of the event giving rise to such action.
When using this site, information will be transmitted over a medium which is beyond the control and jurisdiction of PCI Insurance and its suppliers.

Accordingly, PCI Insurance assumes no liability for or relating to the delay, failure, interruption or corruption of any data or other information transmitted in connection with use of this site.